Capital ratios are key metrics for bank management and regulators. This 90-minute webinar on capital ratio computations explains how scarce capital is for banks and bank holding companies, how highly leveraged they are and how little of their own money owners have at stake, using Call Report ratios to show it.
After a brief explanation of Basel III, you'll review actual and required ratios and the process for computing the four key ratios: the CET1 capital ratio, Tier 1 capital ratio, total capital ratio and Tier 1 leverage ratio. A walkthrough of Schedule RC-R shows which lines feed each numerator and denominator.
The session also explains important items within those figures, the risk-weighting approach for assets and off-balance sheet items, and the five capitalization categories.
Capital ratios drive both management decisions and regulatory views of a bank, so the people who prepare, review and oversee Call Reports need to understand how they are built.
This session suits senior management, board directors and financial experts, Call Report preparers and reviewers, controllers' staff, regulators, internal and external auditors, risk managers, corporate counsel, and both newcomers and seasoned bankers.
Capital ratios drive both management decisions and regulatory views of a bank, so the people who prepare, review and oversee Call Reports need to understand how they are built.
This session suits senior management, board directors and financial experts, Call Report preparers and reviewers, controllers' staff, regulators, internal and external auditors, risk managers, corporate counsel, and both newcomers and seasoned bankers.
Paul J. Sanchez
Paul J. Sanchez, CPA, CBA, CFSA, CGMA conducts a small CPA practice in Port Washington, New York. He is also the owner of Professional Service Associates (PSA), a consulting and professional training and development business servicing corporate clients (auditors, controllers, etc.), CPA firms, professional associations and others. He was an assistant professor at Long Island University - C.W. Post Campus as well as an adjunct lecturer at City University of New York. Prior to starting PSA, he was the Vice President-Professional Development for the Audit Division of a regional bank and Director of Professional Practices and Vice President of a …
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